Mr. Speaker, in budget 2009 we put in place some processes that will actually tighten up credit cards. We have been hearing from our constituents about their concerns and, in fact, the Senate banking committee is studying it. One other committee, and we are not sure if it is going to be industry or finance, will be listening to those concerns.
We have already put in place a requirement for a minimum grace period on new purchases. We are putting in improved debt collection practices, and are requiring clear and timely advance notice for changes in rates and fees. That was in budget 2009.